| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE FL 21 ATTN ACCOUNTING NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $991 | $991 | 1.06% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | METROPOLITAN LIFE INSURANCE COMPANY | — | $922 | $922 | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $496 | $0 | $496 | 0.53% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | METROPOLITAN LIFE INSURANCE COMPANY | $462 | $0 | $462 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 176 FEDERAL ST MEZZANINE BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $317 | $317 | 0.48% |
| MMG AGENCY INC. Filed as: MMG AGENCY INC | 32 BROADWAY NEW YORK, NY 10004 | ACE AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | — |
| ASSUREDPARTNERS Filed as: BWD GROUP LLC | P.O. BOX 9101 PLAINVIEW, NY 11803 | ACE AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $62K |
| PAYFLEX SYSTEMS USA, INC EIN 91-1774434 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 10802 FARNAM DRIVE SUITE 100 OMAHA, NE 68154 | $8K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $93K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 98 | $66K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.